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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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940 E Highway 98 Unit 44 , Destin, FL 32541
$439,000
Est. Payment: $2,226.53/mo
2 Bed
2.5 Bath
1191 Sqft
Status: active | Days on site: 111
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to this beautifully positioned 2-bedroom, 2.5-bath waterfront townhome in the highly desirable South Bay by the Gulf community. Offering 1,191 sq ft of refined coastal living, this fully furnished, two-story residence features a light-filled open living space, well-appointed kitchen, and two private balconies overlooking serene lake views. Enjoy a resort-style lifestyle with private beach access, swimming pools, tennis courts, and beautifully maintained grounds—all just a few steps away from the sugar-white sands of the Emerald Coast. An exceptional opportunity as a primary residence, second home, or investment property.

Highlights

Listed by Penelope Bradley , 850-501-7212 EXP Realty, LLC , 888-883-8509. Pensacola Association of REALTORS®, Inc.

Property Type

Condo/Townhome

HOA Fee

10320 Annually

Year Built

1974

County

Okaloosa

Neighborhood

Southbay

Listing ID

681904

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:2
  • Bathrooms:2.5
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:Electric Water Heater, Dryer, Washer, Built In Microwave, Dishwasher, Refrigerator
Air Cond:Central Air,Ceiling Fan(s)
Fireplaces:
Floor:Tile
Other:
  • Additional:Ceiling Fan(s), Master on Main
Water:Public

Exterior Features

Lot:Lake,Waterfront,Beach Access,Deed Access
Zoning:Res Multi
Roof:Shingle
Others:
  • Additional:Balcony, Barbecue, Tennis Court(s), Resale
Sewer:Public Sewer
Parking Features:1 Space/Unit
Principal Interest
$2,227
Taxes
$280
HOA
$10,320

Home Price

$439,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$87,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,226.53

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,226.53 $279.86 $10,320.00 $12,826.39
Yearly $26,718.30 $3,358.35 $123,840.00 $153,916.65
Total $801,549.06 $100,750.50 $3,715,200.00 $4,617,499.56

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Destin, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Pensacola Association of REALTORS®, Inc., and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T07:06:24.000Z

© 2026 Pensacola Association of REALTORS®, Inc.